FICO Credit Score Guide: Understanding Your Rating Profile

Understanding your credit rating is critical to sound financial management. Your credit score is a direct reflection of how well you manage debt. It impacts interest rates, lending decisions, employment possibilities, and even whether or not you can obtain an insurance policy. Five components used to calculate your FICO Score FICO Scores are based on … Read more

Fake Debt Collection Call Scams

Fake debt collection call scams are becoming a serious problem for consumers across the country. Some of these calls are from collection agencies collecting actual debt but many of these calls are fake. Our investigations have shown that many of these fake collector calls originate after a consumer applies for a payday loan online or … Read more

How to Dispute Errors in Your Credit Report

Credit report errors are far too common. Indeed, studies suggest that as many as 25 percent of credit reports could contain serious errors. The most common errors are identity errors, incorrect account information, and fraudulent accounts. There are certainly many other kinds of errors but these are the most prevalent. Identity Errors Identity errors occur … Read more

Identity Theft Debt Collection

Identity theft debt collection causes millions of Americans undue financial and emotional hardship every year. Debt collectors can be ruthless in their efforts to collect debt and are often skeptical and unsympathetic when a consumer claims to be a victim of identity theft. Restoring your credit after your identity is stolen can take time, money, … Read more

Used Car Buying Tips

Bill Gephardt posted an article on KSL warning consumers of the dangers of buying a used car. Gephardt’s warning arises mostly because Utah has no lemon law that applies to the purchase of a used car. Buyer beware is the watchword. Gephardt is right that if you purchase a used car and its engine explodes … Read more

Mortgage Investors Corporation Telemarketing Harassment

If Mortgage Investors Corporation is harassing you with repeated unwanted telemarketing calls you are not alone. Many consumers complain about abusive and harassing telemarketing practices by Mortgage Investors Corporation (MIC). Here are my recommendations to stop the calls. Telephone Consumer Protection Act Federal law protects you from telemarketing harassment by Mortgage Investors Corporation and other … Read more

Scam Telephone Calls

It seems that no matter what we do we just can’t prevent all scam telephone calls. Placing your number on the do-not-call list and keeping your telephone number unlisted are old techniques that just don’t work as well as they used to. Telemarketing scams are everywhere and everyone with a phone eventually gets them. The … Read more

How to Stop Harassment

Consumers often ask me how to stop harassment from debt collectors, collection attorneys, or telemarketers. My answer may surprise you but often I recommend that you don’t stop the calls. In many cases it may be better to sue the abusive companies that to merely stop the calls. Stop Harassment from Debt Collectors, Collection Agencies, … Read more



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